Cigna Medical County’s Premium Bi-Weekly Rates for employee only coverage Non Wellness HSA
Employee & Child(ren)
Employee & Spouse
Employee & Family
Medical Plan Choices for 2017 High Deductible Health Plan with an Health Savings Account (HSA)
Deductible (Single/Family) In-Network
*Deductible (Single/Family) Out-of-Network
HSA Seed (Single/Family)
Coinsurance In-Network Out-of-Network In-Network
Out of Pocket Max (includes deductible) Out-of-Network
Lifetime Maximum Benefit
20% 40% $3,550/$7,100 $7,100/$14,200 Unlimited
Physician Services Office Visits (PCP/Specialist) Preventative Care Allergy Injection
(by non-physician) Surgery
20% after ded. Covered at 100% 20% after ded. 20% after ded.
Hospital/Facility Inpatient/Out Patient Hospital
20% after ded.
20% after ded.
20% after ded.
Prescription Drugs (Retail) Retail Generic
20% after ded.
Retail Preferred Brand
20% after ded.
Retail Non-Preferred Brand
20% after ded.
Vision Care Routine Eye exam
20% after ded.
For definitions, please refer to the Glossary of Benefits Terms in the back of the brochure.
Did you know you can receive treatment over the phone or through video conferencing by contacting Novant Health or Carolina Healthcare System? No more long waits in the emergency room or doctor’s office! Cigna’s 24 Hour Nurse 1.800.564.9286 Get the guidance on medical treatment, or assistance with a health question 24 hours a day, 7 days a week: speak with a nurse, or listen to recorded information on hundreds of medical topics (available in English and Spanish).
Medical Plan Opt Out/Waive Mecklenburg County Employees Only If you have other group coverage and do not want to participate in the County’s medical plan for 2017, you may choose to opt out/ waive and receive a one time cash award of $400 (grossed up to $540) added to your paycheck. The opt out/waive status will remain in effect the entire year unless you have a qualifying family status change. Employees hired during the year receive a prorated cash award. Mecklenburg County reserves the right to request proof of coverage of other medical coverage at any time.
Introducing the NEW myTotalHealth Rewards! The myTotalHealth Wellness program is here to help you reach and maintain optimal health. The new rewards program offers a wellness premium incentive. You can save about $50 each month by completing the following wellness activities:
1. Health Coaching: Call 855-246-1873 to schedule your telephone health coaching appointment. 2. Health Risk Assessment: Once your benefits become active, create an account on myCigna.com and complete the Health Risk Assessment. If you do not plan on enrolling into the 2017 insurance plan, but may elect benefits for the 2018 calendar year, you will need to follow the instructions below. 1. Go to http://my.cigna.com/?token=3323264 2. Click on Register Now and follow the prompts 3. Click on “Take My Health Assessment” 3. Biometric screenings: The biometric screenings will take place at various locations throughout the county. If you have completed an annual physical during the 2017 calendar year or would like to complete the biometric screening requirements through your physician please use the wellness screening form. ALL ACTIVITIES MUST BE COMPLETED BEFORE SEPTEMBER 15, 2017 IN ORDER TO RECEIVE THE WELLNESS INCENTIVE Why is Cigna calling me? Mecklenburg County offers Cigna programs to help you get healthy and live well. Cigna is excited to get to know you, so they call you at home to talk about ways to work together to help you manage your health. 3
Cigna Dental Bi-Weekly Rates
Employee & Child(ren)
Employee & Spouse
Employee & Family
Dental Plan Choices for 2017 Calendar Year Maximum (Class I, II, and III Expenses) (per individual) In-Network Out-of-Network Calendar Year Deductibles (Individual/Family) In-Network Class I Expenses - Preventive & Diagnostic Care (In-Network/Out-of-Network) Oral Exams Cleanings Routine X-Rays Fluoride Application Sealants Space Maintainers (limited to non-orthodontic treatment) Non-Routine X-Rays Emergency Care to Relieve Pain Histopathologic Exams Class II Expenses - Basic Restorative Care (In-Network/Out-of-Network) Fillings Oral Surgery - Simple Extractions Oral Surgery - All Except Simple Extractions Surgical Extraction of Impacted Teeth Anesthetics Major Periodontics Minor Periodontics Root Canal Therapy/Endodontics Relines, Rebases, and Adjustments Repairs - Bridges, Crowns, and Inlays Repairs - Dentures Class III Expenses - Major Restorative Care (In-Network/Out-of-Network) Crowns/Inlays/Onlays Dentures Bridges Class IV Expenses - Orthodontia (In-Network/Out-of Network) Coverage for Eligibile Children Only (up to age 19) Lifetime Maximum Missing Tooth Provision Treatment Review Student Age
$75/$225 100% /80% No Deductibles
$50/$150 100% /100% No Deductibles
Regular fulltime employees will have two options in selecting a dental plan: the Standard or Enhanced plan. Below are just a few of the differences between the two plans: Standard Must go to a Network dentist Calendar Year Maximum of $1,000 per individual No Orthodontic coverage
70% /50% After Deductible
80% /80% After Deductible
40% / Not Covered After Deductible
50% / 50% After Deductible
50% / 50% No Separate Deductible Not Covered $1,500 Teeth missing prior to coverage under the CIGNA Dental plan are not covered. Available on a voluntary basis when extensive work in excess of $200 is proposed. 26
Enhanced May go to any dentist Calendar Year maximum of $1,500 per individual Orthodontic Coverage (Life time Max $1,500 per individual) NOTE: Dental cards will NOT be issued to employees. To print a dental card or to locate a provider, please go to www.cigna.com.
United HealthCare Vision
Employee & Child(ren)
Employee & Spouse
1-800-638-3120 Employee & Family
The County offers regular fulltime employees a choice of two voluntary vision plans for a minimal premium which provides coverage for exams, lenses, frames, contacts, etc. at reduced costs. Note: Vision cards will NOT be issued to employees as part of this plan.
Vision Plan Choices for 2017 Standard Plan Copays
eye exam every 12 months
Comprehensive Exam Materials Contact Lenses in lieu of eyeglasses Covered-in-full Contact Lenses
Laser Vision Benefit UnitedHealthCare Vision has partnered with the Laser Vision Network of America to provide our members with access to discounted laser vision correction providers. 1-888-563-4497
Frames every 24 months $50 wholesale frame allowance applied toward the wholesale cost of a frame at private practice providers, or a $130 frame allowance applied toward the retail price of a frame at retail chain providers.
Lenses and Lens Options
Contact Lenses (in lieu of eyeglasses) Elective $150 *Necessary $210
Contact Lenses every 12 months Contacts (including disposables), the fitting/evaluation fees, and up to two follow-up visits are covered-in-full. If covered disposable contact lenses are chosen, up to 6 boxes are included when obtained from a network provider.
$40 $60 $80 $80
A $150.00 allowance is applied toward the fitting/ evaluation fees and purchase of contact lenses outside of UnitedHealthcare Vision covered-in-full contacts. The materials copay does not apply
Standard and Enhanced Plan benefits are the same. Network copays do not apply Up to
Lenses Single Vision Bifocal Trifocal Lenticular
Non-Covered Contact Lenses
Out of Network Reimbursement
The following lenses and Lens Options are Covered-in-Full every 12 months
Standard Plan Plus:
Round & seg.
Polycarbonate Uv & scratch guard Solid Tint
You do not need to submit a claim for InNetwork benefits. However, you must submit a claim to United HealthCare Vision for benefit reimbursement for Out of Network services.
Transition UV Coating (Glass) UV Coating (Plastic) Platinum progressive Premium progressive
Health Savings Account What is a Health Savings Account (HSA)? A Health Savings Account (HSA) is an account that you can put money into to save for future medical expenses. HSAs allow you to pay for eligible medical expenses on a pre-tax basis. You can make contributions with pre-tax (via payroll deduction) or post-tax dollars.
Who is eligible for an HSA?
If you are in a Consumer Driven Health Plan (County’s HSA Medical Plan) If you are not covered by any other health plan including Medicare, TRICARE, or TRICARE for Life If you have not received VA benefits within the past 3 months If you are not claimed as a dependent on someone else’s tax return If you are not covered by a Health Care Spending Account (FSA)
How do I use my HSA? Use your debit card, checkbook, auto pay, or online bill pay for any out of pocket health care expenses.
What are the benefits of an HSA?
Account ownership—You own your account. You can use it, invest it, save it and move it as you see fit.
Portability—Accounts are completely portable, meaning you can keep your HSA even if you:
Change jobs or retire Change medical coverage Become unemployed Move to another state Change your marital status
Money can be used to pay for out of pocket IRSqualified medical expenses. For a list of qualified expenses, please refer to Section 213(d) of the Internal Revenue code or visit Cigna.com.
There are no “use it or lose it” rules for HSAs.
2017 Contribution Limits
Individual - $3,400 Family - $6,750 Individuals age 55 and older can contribute an additional $1,000 per year “catch-up” contribution.
When you have questions, we’ve got answers Cigna offers you live customer service 24 hours a day, seven days a week, 365 days a year – that includes weekends and holidays. Call 1-800-244-6224. 6
Flexible Spending Account What is A Flexible Spending Account (FSA)? FSA is a pre-tax program to help reduce health care and dependent care out-of-pocket expenses.
Health Care Spending Account is for regular fulltime employees and eligible dependent healthcare expenses not covered by insurance like co-pays, deductibles, prescriptions, dental or vision care. You may contribute a minimum of $260.00 up to a maximum of $2550.00 per year. Note: Employees enrolled in the County’s HSA plan cannot enroll in the health care spending account.
Dependent Care Account is for regular fulltime employees for dependent care expenses for a child under the age of 13 or a disabled spouse or dependent. If you are married, you can use this account if you and your spouse both work, are looking for work, or, in some situations, if your spouse is a full-time student. You may contribute a minimum of $260.00 to a maximum of $5000.00 per year. Visit www.flex125.com for a complete list of eligible expenses. *Annual Savings Example:
With FSA Account
Once you make your annual election, the amount will be deducted from your pay in equal amounts throughout the
year, before taxes are deducted.
Federal and State Taxes
After-Tax dollars spent on eligible expenses
Tax Savings with an FSA
How do I contribute to my FSA?
How do I get reimbursed?
A Flex Debit Card will be issued to you and you may use your card to be reimbursed for eligible expenses and the funds will be automatically deducted from your Spending Account. OR simply pay for the eligible expenses and then fax or mail a timely reimbursement request and receipt to be processed. Forms are available on MeckWeb intranet site.
*Sample tax savings for a single taxpayer with no dependents. Actual savings will vary based on your individual tax situation. Please consult a tax professional for more information.
Important Note: You may claim expenses incurred from January 1, 2017 through March 15, 2018 Unused funds are forfeited and will not be returned to you. Claims must be filed by April 15, 2018 for reimbursement. Claims filed after April 15, 2018 will be denied.
How do I contact AmeriFlex? Mailing Address: AmeriFlex 700 East Gate Drivek, Suite 510 Mount Laurel, New Jersey 08054 or visit them on the web at: www.flex125.com
phone: 1-888-868-3539 fax:
Savings and Retirement NC Retirement System Mecklenburg County regular full-time and part-time employees are automatically enrolled into the North Carolina Local Government Retirement System upon employment. Employees contribute 6% of gross wage and are vested after 5 years of service.
401(K) AND 457 MATCHING PLANS Mecklenburg County offers a match to regular full-time and parttime non-sworn employees who participate in the 401(k) and/or 457 supplemental retirement plans. The match is currently:
529 COLLEGE SAVINGS PLAN North Carolina 529 College Savings Plan
Dollar for Dollar Match up to 5% 100% Vested Immediately No Waiting Period for Participation
Employees are able to choose to contribute either pre-tax or after -tax Roth. The County Match is always contributed on a pre-tax basis. The 5% matching funds from the County apply to employee contributions in any one or a combination of plans for a total of 5%.
Employees can save for college through payroll deduction with the NC 529 College Savings Plan. The plan offers a wide range of investment options from conservative to aggressive. Investments can be used to any college for qualified educational expenses such as tuition, books, and room and board.
The NC 401(k) plan is administered by Prudential Retirement.
To enroll in the plan, contact the College Foundation of North Carolina (CFNC) toll free at 800-600-3453 or visit www.NC529.org. Once you have enrolled and selected the payroll deduction option a representative from CFNC will contact the County to advise that you’ve requested that your contributions be payroll deducted.
All sworn LEO’s will automatically receive the State mandated 5% employer contribution to the NC 401(k).
The Choice of 457 plans offered through the County
ICMA-Retirement Corporation 457 plan.
NC 457 plan administered by Prudential Retirement.
Changes can be made to your plans at any time, so start small and increase when you can. Enrolling is fast and easy and the plans work hard to make the investing simple. Local, personal help is available to all County employees.
457 Plan ICMA-RC Client Services: 800.669.7400
NC 401(k) Plan and NC 457 Plan Client Services: 866-627-5267
Daisy Jones [email protected]
Jodie Musselwhite [email protected]
www.icmarc.org/selfenroll Plan Number: 300354 8
NC Retirement System 877-627-3287 www.myNCretirement.com
Life and Disability Benefits Basic Term Life Insurance
Short Term Disability
Regular fulltime employees are automatically covered with basic term life insurance in the amount equal to their annual salary. Dependent/Spouse coverage of $10,000 is available.
This benefit is provided to assist a fulltime employee who is disabled due to a non-work related illness or accident. Sixty percent of the employee’s weekly earnings will be paid for up to 26 weeks, after a 25-day waiting period. Short Term Disability begins 90 days after employment and excludes pre-existing conditions.
Supplemental Term Life Insurance
Long Term Disability
The County offers fulltime employees the opportunity to purchase up to six (6) times their annual salary (or up to $1,000,000) in supplemental term life insurance. Proof of good health is not required if requested coverage does not exceed four (4) times the annual salary or $300,000 and if enrollment begins immediately upon eligibility. The policy includes an accelerated death benefit for those with terminal illnesses as well as Accidental Death and Dismemberment (AD&D) benefits. Rates are based on age, smoking habits, and amount of insurance requested.
Long Term disability replaces 40% of a fulltime employee’s salary for up to 5 years should he or she become disabled. This benefit is provided by the County for regular employees who have less than 5 years of service with the County. Employees with 5 or more years should refer to the NC Retirement System plan for benefits. Employees can also purchase an additional 20% of coverage from the NC Retirement System. Restrictions may apply.
Voluntary Critical Care Benefit What is Group Critical Care and how does it work? Group Critical Care is designed to provide employees with additional financial protection to help them with the medical and non-medical costs of a specified disease. The plan pays a lump sum benefit after a covered illness or cancer is diagnosed. You can also choose to add an optional cancer benefit that pays a monthly benefit for extended treatment of cancer (internal or invasive cancer or carcinoma in situ). It’s innovative It’s there when you need it. Not only will it pay multiple times for multiple conditions, it offers an additional benefit for extended treatment and care of cancer.
It’s not complicated The plan pays lump sum benefits upon diagnosis of a covered critical illness or cancer (internal, invasive or carcinoma in situ).
It’s flexible You choose the face amount.
Frequently Asked Questions How are my benefits paid?
Benefits are paid directly to you, unless you specify otherwise. Benefits are paid regardless of any other coverage you may have with other insurance companies.
Guarantee Issue coverage is available.
What if I change employers?
Benefits are portable. If you change jobs or retire, you can take your coverage with you at no increase in premium.
This plan can be used along with your Health Savings Accounts.
Critical Illnesses Paid at 100%
Heart Attack (Myocardial Infarction) Stroke Major Organ Failure End Stage Renal (Kidney) Failure Permanent Paralysis due to covered Accident Coma Blindness Occupational Infectious HIV or Occupational Infectious Hepatitis B, C, or D Mammography Pap smear
How do I file a claim? Wellness claims may be filed over the phone. Simply call our Policyholder Service Center at 1.800.325.4368. For all other types of claims, visit coloniallife.com for additional information.
Enhanced Wellness Benefit: $100 payable once per plan year per covered person for screening tests
PSA (blood test for prostate cancer) Serum cholesterol test for HDL & LDL Stress test on a bicycle or treadmill Electrocardiogram (ECG/EKG) Echocardiogram (ECHO) Regular fulltime employees interested in obtaining more information or enrolling in this Voluntary Critical Care plan should call the Employee Services Center at (704) 432-6947. 10
Voluntary Accident Benefit Accidents happen in places where you and your family spend the most time; at work, in the home and on the playground and they're unexpected. How you care for them shouldn't be. In your lifetime, which of these accidental injuries have happened to you or someone you know?
Sports-related accidental injury
Falls & spills
Accidental injuries that send you to the Emergency Room, Urgent Care or doctor’s office
Back or knee injuries
Colonial Life’s Accident Insurance is designed to help you fill some of the gaps caused by increasing deductibles, co-payments and out-of-pocket costs related to an accidental injury. The benefit to you is that you may not need to use your savings or secure a loan to pay expenses. Plus you’ll feel better knowing you can have greater financial security.
What additional features are included?
What if I change employers? If you change jobs or leave your employer, you can take your coverage with you at no additional cost. Your coverage is guaranteed renewable as long as you pay your premium when they are due or within the grace period.
Can my premium change? Will my accident claim payment be reduced if I have other insurance?
Colonial Life can change your premium only if we change it on all policies of this kind in the state where your policy was issued.
You’re paid regardless of any other insurance you may have with other insurance companies, and the benefits are paid directly to you (unless you specify otherwise).
How do I file a claim? Visit coloniallife.com or call our Customer Service Department at 1.800.325.4368 for additional information.
Regular fulltime employees interested in obtaining more information or enrolling in this Voluntary Accident plan should call the Employee Services Center at (704) 432-6947. 11
Voluntary Cancer Benefit The risk of developing cancer, unfortunately, is very real. In the United States, according to the American Cancer Society, 1 in 2 men and 1 in 3 women have a lifetime risk of developing cancer. Sixty-two percent of the costs associated with cancer treatment are now considered out-of-pocket expenses not covered by your major medical insurance. If you are diagnosed with cancer, how will you pay for what your health insurance won't? Direct Costs Most Major Medical Plans Cover: • Hospital charges • Surgeon fees • Physician Fees Only 38% of cost • Medication & drug costs covered • Radiological fees • Nursing costs
Indirect Costs You Pay: • Loss of wages or salary • Deductibles or coinsurance • Travel expenses to/from treatment centers • Lodging and meals • Child care
What does the Cancer Plan cover? The Cancer Plan pays for a variety of inpatient or outpatient benefits related to cancer treatment including, but not limited to: • Hospital confinement • Ambulance • Air ambulance • Private, full-time nursing services Other inpatient and outpatient treatment benefits include a variety of other items such as those listed below: • Radiation/chemotherapy • Anti-nausea medication • Experimental treatments • Blood / Plasma / Platelets / Immunoglobulin • Hair prosthesis / External breast / Voice box prosthesis • Medical imaging studies • Peripheral stem cell transplant • Supportive / Protective care drugs and colony simulating factors • Bone marrow stem cell transplant. The Cancer Plan covers items you may not typically think of. Oftentimes, there are costs associated with cancer treatment that you may not typically consider. Those costs listed below are covered under the Cancer Plan. • Travel expenses • Companion transportation and lodging • Surgical procedures including skin cancer • Second medical opinions • Anesthesia • Prosthetic or artificial limbs • Outpatient surgical center • Reconstructive surgery
You cover 62% of costs
With the Cancer Plan, premiums are TAX-FREE so you will receive an average savings of 30%. Wellness Benefit: Under the cancer plan, each covered individual can receive reimbursement for up to $125.00 once per calendar year for a cancer or wellness screening. The screenings include, but are not limited to: • Chest x-ray • Pap smear • Mammography • Breast ultrasound • PSA - blood test for prostate cancer • Biopsy of skin lesion • Colonoscopy What else does the cancer benefit include? The cancer plan also offers extended care benefits such as coverage for: • Skilled nursing care facility • Family care • Hospice • Home health care service
Regular fulltime employees interested in obtaining more information or enrolling in this Voluntary Cancer plan should call the Employee Services Center at (704) 432-6947. 12
Voluntary Medical Bridge Benefit How will you cover all of your medical expenses? Medical Bridge, is designed to fill the gaps in your health insurance and help protect against those out-of-pocket expenses, including deductibles and co-pays, that occur when it comes to you or your family members’ healthcare. This plan is a Health Savings Account (HSA) - compliant plan. This plan may also be offered to employees who do not have an HSA.
What is Medical Bridge and how does it work? The Medical Bridge Plan helps to “bridge the gaps” in your health insurance.
With the Medical Bridge Plan, premiums are TAX-FREE and family coverage is available.
Some of the Benefits Include:
Hospital Confinement Observation Room Rehabilitation Unit Confinement Waiver of Premium Health Screening
Frequently Asked Questions
Medical Treatment Package Includes:
How are my benefits paid? Benefits are paid directly to you, unless you specify otherwise. Benefits are paid regardless of any other coverage you may have with other insurance companies.
Air Ambulance Ambulance Appliance Doctor’s Office Visit Emergency Room Visit X-Ray
Optional Riders Include:
Daily Hospital Confinement Enhanced Intensive Care Unit Confinement
Enhanced Wellness Benefit: This benefit helps reimburse you for part of the expense of tests you normally have each year. The Medical Bridge Plan pays $100 once per plan year per covered person for 24 health screening test such as: • Blood test for triglycerides • Breast ultrasound • CA 15-3 (blood test for breast cancer) • CA 125 (blood test for ovarian cancer) • CEA (blood test for colon cancer) • Chest x-ray • Colonoscopy or virtual colonoscopy • Fasting blood glucose • Flexible sigmoidoscopy • Hemoccult stool analysis
• Mammography • Pap smear of thin prep pap • PSA (blood test for prostate cancer) • Serum protein electrophoresis (blood test for myeloma) • Serum cholesterol test for HDL & LDL • Stress test on a bicycle or treadmill • Thermography
What if I change employers? Benefits are portable. If you change jobs or retire, you can take your coverage with you at no increase in premium. How do I file a claim? Wellness claims may be filed over the phone. Simply call our Policyholder Service Center at 1.800.325.4368. For all other types of claims, visit coloniallife.com for additional information.
Regular fulltime employees interested in obtaining more information or enrolling in this Voluntary Medical Bridge Plan should call the Employee Services Center at (704) 432-6947. 13
myTotalHealth Your Employee Wellness Program! Mecklenburg County is committed to employee health. The myTotalHealth Employee Wellness program is designed to offer programs and services that promote health and well-being. The Wellness Ambassadors in each department can help you get connected to the program offerings. CAMP WELLNESS All employees are invited to participate in this annual event. Learn about new and innovate ways to stay well at our health fair. We also offer flu shots at no cost to employees and a convenient Mammography Screenings through the mobile van.
LIFESTYLE MANAGEMENT PROGRAMS Whether you’re looking for help with weight, tobacco or stress management, Cigna’s Lifestyle Management Programs are here for you. Each program is easy to use, available where and when you need it, and is always no cost to you. Call 1.866.417.7848 or visit myCigna.com HEALTH CHALLENGES Health Challenges are a great way to keep your health a priority! Our team challenges are both health and activity based. The Team format helps keep you on track. Everyone is a winner when it comes to good health! ONSITE HEALTH AND WELLNESS CLASSES Learn new ways to stay healthy and well at work and at home with our onsite educational classes. We offer various health and wellness topics in a Lunch and Learn format.
ACCESS TO ONSITE AND PARK AND RECREATION FITNESS CENTERS
County employees have FREE access to all Park and Recreation Fitness Centers. In addition, aquatic centers and out-door pools are offered at a discounted rate. Visit the MeckWeb main page and click on the “myTotalHealth” icon to find a complete list of fitness centers and registration information.
Wellness Contact Information: [email protected]
Employee Assistance Program
Holidays and Leave Holidays (11 Annually—Regular Fulltime Employees) New Year’s Day
Friday after Thanksgiving
One other day @ Christmas
Labor Day *12 Month Employees only
Vacation Leave_____________________________ For regular fulltime and part time employees, vacation leave begins accruing on the first day of employment. The accrual rate is based upon years of service. Employees who do not use sick leave or leave without pay for 7 consecutive pay periods earn an additional 4 hours of vacation. Vacation Accrual Rate
Bereavement Leave______________________________________ Mecklenburg County allows time away from work for the death of an immediate family member. Regular fulltime employees may take up to 24 consecutive work hours paid leave.
Leaves of Absences_______________________________________ There are specific types of absences which may be approved as periods of time away from work. Mecklenburg County recognizes the following types of leave. Restrictions apply. Administrative Leave – unpaid up to 30 days Family/Medical Leave – unpaid up to 12 work weeks Military Caregiver Leave – unpaid up to 26 work weeks Extended Medical Leave – unpaid up to 52 work weeks Extended Family Leave – unpaid up to 52 work weeks Military Leave Disaster Response Leave
Sick Leave (12 days annually)__________________________ For regular fulltime and part time employees, sick leave is accrued on a bi-weekly basis at a rate of 0.04615 hours (12 days annually) for each regularly scheduled hour worked. There is no maximum accrual limit. Sick Leave Donation: In long-term medical situations, employees may donate sick leave to other employees subject to certain conditions. 16
Years of Service
Days per Year 12 Month
At the end of each calendar year, employees may carry a maximum of 30 days vacation into the New Year, and any excess leave over 30 days will be rolled into the employee’s accumulated sick leave balance.
You need to Know Coverage for Eligible Family Members County employees may cover eligible family members by paying a bi-weekly payroll deducted premium. Eligible family members include:
Your legally married spouse Your biological, foster, adopted or step-child/ren up to age 26, a disabled dependent child over age 26.
To comply with the Affordable Care Act reporting, we require dependent social security numbers be provided for dependents covered by our insurance plans. Employees covering dependents may be asked to provide verification documentation.
Do you have a Change in your Family and/or Financial Situation? Family Status Change It is the employee’s responsibility to advise the Employee Services Center within 31 days of a qualifying family status change (birth/adoption, marriage/divorce, graduation of child, death, etc) if a dependent needs to be dropped or added. After the 31 day period, no dependents can be added or dropped. Premium refunds will not be made and coverage will end as soon as the dependent becomes ineligible for coverage. See Forms and Information in this brochure for contacting the Employee Services Center.
What types of changes can I make throughout the year?
Add or drop dependent coverage, based on a qualifying event (such as marriage, birth of a child or dependent has reached maximum age).
Change or update your life insurance beneficiary information
Enroll or change participation level in the 401K or 457 Defined Contribution Plan.
Enroll or change participation in the NC529 College Savings Plan.
Need More Information? Benefit forms and information are available to County employees on the intranet (MeckWeb). Customer Service is available by phone at our Employee Services Center at (704) 432-6947 and by email at [email protected]
Glossary of Benefits Terms Cigna – County’s health insurance administrator. Coinsurance — Coinsurance refers to money that an individual is required to pay for services after a deductible has been paid/met. After the medical deductible is met (i.e. you’ve spent that much), the County pays 80% and the employee pays 20% of costs…until the “out of pocket maximum” is reached.
Deductible— The amount of money an employee pays for medical expenses before the County starts to pay.
Health Savings Account (HSA) – A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers who are enrolled in a high-deductible health plan.
High Deductible Health Plan— A plan with a higher deductible than a traditional insurance plan. Usually the monthly premium is lower, but you have to pay more health care costs yourself (your deductible) before the insurance company starts to pay its share. A high deductible plan can be combined with a health savings account. This allows you to pay for certain medical expenses with untaxed dollars. The IRS defines a high deductible health plan as any plan with a deductible of at least $1,300 for an individual or $2,600 for a family. Sometimes referred to as a Consumer-driven plan.
Member – Anyone covered by the County’s health insurance (employee, retiree, dependent, etc.) Network – The hospitals, health care professionals and labs that have contracted with a health plan to provide health care services. Out of Pocket Maximum —The most you will have to pay for covered medical expenses in a plan year through deductible and coinsurance before your insurance plan begins to pay 100 percent of covered medical expenses. Premium—The amount the policy-holder (employee) pays to the County to purchase health coverage. Premiums are paid out of your paycheck and are pre-tax. Preventative Care – Examples include “Well Woman,” annual physical, wellness screenings, etc.
Wellness Rate – Reduced premium rate for employees who met the wellness criteria (biometrics screening, health assessment, and coaching).
Mecklenburg County Employee Benefits STATEMENT OF EQUAL EMPLOYMENT OPPORTUNITY AND AMERICANS WITH DISABILITIES ACT It is the policy of the County to provide equal employment opportunity without regard to race, color, religion, sex, sexual orientation, genetic information, political affiliation, age, disability, national origin, or other status protected by federal, state or local law. Discrimination against any person in the recruitment, examination, appointment, training, promotion, retention, discipline, or any other aspect of personnel administration because of race, color, religion, sex, sexual orientation, genetic information, political affiliation, age, disability, national origin, or other status protected by federal, state or local law is prohibited. Discrimination on the basis of age, sex, or physical disability is prohibited except where age, sex, or disability requirements constitute a bona fide occupational qualification necessary for performance of the essential functions of a job. The County will comply with the Americans with Disabilities Act (ADA) which prohibits discrimination on the basis of a disability. The County will make reasonable accommodations upon requests of otherwise qualified disabled applicants and employees to enable them to perform essential job functions except where such accommodations may constitute an unreasonable hardship or jeopardize the health and safety of employees, applicants or the general public. ________________________________________________________________________________________________________________________________
Nondiscrimination Notice Mecklenburg County complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Mecklenburg County does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex. Mecklenburg County: • Provides free aids and services to people with disabilities to communicate effectively with us, such as: ○ Qualified sign language interpreters ○ Written information in other formats (large print, audio, accessible electronic formats, other formats) • Provides free language services to people whose primary language is not English, such as: ○ Qualified interpreters ○ Information written in other languages If you need these services, contact Raquel Cox-Tennal. If you believe that Mecklenburg County has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance with: Raquel Cox-Tennal, HR Manager 700 E. 4th Street Charlotte, NC 28202 980-314-2709 [email protected]
cklenburgCountyNC.gov You can file a grievance in person or by mail, fax, or email. If you need help filing a grievance, Raquel Cox-Tennal, HR Manager is available to help you. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at http://ocrportal.hhs.gov/ocr/ portal/lobby.jsf, or by mail or phone at: U.S. Department of Health and Human Services 200 Independence Avenue, SW Room 509F, HHH Building Washington, D.C. 20201 1-800-368-1019, 800-537-7697 (TDD) Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.
The employee benefits program is administered by Mecklenburg County Human Resources Department 700 East 4th Street Charlotte, NC 28202 Employees Services Center: (704) 432-6947 phone (704) 336-2731 fax www.charmeck.org For additional information about any benefits described in this brochure, please consult Mecklenburg County policies, the applicable summary plan description (SPD), or the actual plan. In the event that there is any conflict between the information in this brochure, the SPD, the policies, and/or a plan, the plan document always governs. Participation in any of the County’s benefit plans does not create and should not be viewed as a contract of employment. While Mecklenburg County intends to provide these benefits for an indefinite period of time, it reserves the right to terminate, suspend, withdraw, amend, or modify a plan at any time. Any such change or termination of benefits will be based solely on the decision of the County.
IMPORTANT NOTICES Rate Notice for 10 Month Employees In order to provide continuous medical coverage for 10 month staff, the County deducts additional amounts in the 10 months (22 pay periods) worked to cover the approximate 2 months in the summer (4 pay periods) in which staff do not receive a paycheck and are not paying premiums.
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